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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,238 | $81,504-73.9% | $102,437-79.3% | $80,959-73.8% |
| Participation rate | 65.4% | 66.9%-1.5pp | 74.5%-9.1pp | 67.7%-2.3pp |
| Annual return | 13.49% | 25.60%-12.1pp | 24.95%-11.5pp | 35.67%-22.2pp |
| Employer contribution / active EE | $2,399 | $3,104-22.7% | $3,871-38.0% | $2,757-13.0% |
| Participant deferral / active EE | $3,424 | $3,871-11.5% | $5,060-32.3% | $4,300-20.4% |
| Admin fee / account holder | $374 | $6,719-94.4% | $8,388-95.5% | $6,925-94.6% |